First Community Bankshares Q3 adjusted EPS beats estimates on higher non-interest income

First Community Bankshares

28/10/2025 20:27

Overview

First Community Q3 adjusted EPS beats analyst expectations

Company Q3 net income decreases 5.89% yr/yr

Adjusted net income for Q3 beats analyst expectations

Outlook

Company did not provide specific guidance for future quarters or full-year results in its press release

Result Drivers

NET INTEREST MARGIN - Co's net interest margin increased slightly to 4.43% despite a decrease in loan balances and interest income

NONINTEREST INCOME - Increase in service charges on deposits and wealth management fees drove noninterest income up by 4.18%

MERGER EXPENSES - Noninterest expenses rose due to salaries, benefits, and merger costs related to upcoming merger with Hometown Bank

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Adjusted EPS
Beat
$0.70
$0.63 (1 Analyst)
Q3 EPS
$0.67
Q3 Adjusted Net Income
Beat
$12.90 mln
$11.60 mln (1 Analyst)
Q3 Net Income
$12.26 mln
Q3 Net Interest Income
$31.29 mln
Q3 Pretax Profit
$15.90 mln


Analyst Coverage

The one available analyst rating on the shares is "hold"

The average consensus recommendation for the banks peer group is "buy."

Wall Street's median 12-month price target for First Community Bankshares Inc is $41.00, about 19.6% above its October 27 closing price of $32.97

The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 15 three months ago

Press Release: ID:nGNX5HLJw8

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)